Income Protection

income protection
Income Protection
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Who needs Income Protection?
It takes work to build your career and accumulate assets that provide a good, stable life and future for you and your family. However, if you weren’t able to work anymore, how would you repay your mortgage, or make your car repayments, or cover your basic living expenses, from the groceries to your children’s sporting activities?
Most people don’t actually realise that Income Protection is relevant to them. It is only when the unexpected happens and they are unable to work that they realise the value of this form of protection.
You need income protection if:
- you are self-employed and would have no source of income if you couldn’t work due to illness or disability
- your employer provides little or no sick pay
- you have no ill-health pension protection
- you have family or dependents who rely on your income
- you have no other source of income
- you do not have sufficient benefits to replace your lost income and/or cover your daily/living expenses.
You can get tax relief on your Income Protection premium at your marginal (highest) rate of tax, up to a yearly limit of 10% of your total income. This can make an Income Protection premium more affordable. If you make a claim, the benefit will be taxable.
Income Protection provides cover until you can start working again – or until you retire, die or reach the end of the policy term – whichever is sooner.
Request a Quote
Speed up your quotation by filling in our online income protection insurance questionnaire. Then request a call back and we’ll have prepared everything you need to know to choose the right coverage for your needs.
Other types of income protection insurance we offer…
Meet the team

Benny Sheridan
Director

Audrey Jameson
Insurance Broker

Brian Flanagan
Insurance Broker
Your benefits…
Income protection insurance from Sheridan Insurances comes with a variety of benefits such as:
Our experienced and dedicated brokers who will research the market on your behalf
Reliable, trusted cover
Our in-depth understanding of policy terms to help you navigate the small print
Access to multiple different insurers
Freedom of choice to find the most suitable cover
Income Protection Insurance FAQs
We want to make sure you know exactly what income protection insurance from Sheridan Insurances protects you for.
Take a look at our FAQs or talk to one of our brokers.
Did you know?
- Income Protection is often called ‘Permanent Health Insurance’ (PHI). It is not the same thing however as private health insurance.
- Income Protection is now one of the most sought after “optional” insurance covers by professional people, such as solicitors, accountants, consultants, and engineers.
Top Tips
- Income protection does not cover redundancy. To have income protection insurance cover, you generally have to be in full-time paid work or be self-employed with an earned income.
- Compare the cost of Income Protection with the potential cost of NOT having it.
How much does Income Protection cost?
A number of variables will influence the amount you will pay for an Income Protection premium. These include:
- the level of cover you need which is linked to a maximum of 75% of your income
- the length of time you must be out of work due to sickness or disability before your income protection kicks in, and the
- term of the policy.
Other factors such as your age, health, family medical history, job and lifestyle are also taken into account.
How to talk to us…
Request a Quote
Speed up your quotation by filling in our online income protection insurance questionnaire. Then request a call back and we’ll have prepared everything you need to know to choose the right coverage for your needs.
We are here to help…
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